6 Discounts Audubon Shoppers Forget when Shopping for Car Insurance

Searching for the lowest cost Audubon car insurance online can seem to be difficult for consumers not familiar with comparison shopping online. With so many online companies available, how can you even start to compare every company to locate the lowest price?

It's important to compare prices quite often since rates are constantly changing. If you had the best deal last year there may be better deals available now. So just ignore everything you know about car insurance because we're going to show you the only way to find lower rates on car insurance.

Finding affordable coverage in Audubon is quite easy. In a nutshell, anyone who has to buy car insurance should be able to lower their premiums. Nevertheless, Minnesota consumers do need to know how big insurance companies determine prices and take advantage of how the system works.

Audubon car insurance quote

Be sure to get all your discounts

Companies don't list every available discount very clearly, so here is a list both the well known as well as the least known discounts you could be receiving.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Senior Citizens - Older drivers can possibly qualify for better car insurance rates.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Accident Waiver - Certain companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Life Insurance Discount - Larger companies have a discount if you purchase a life insurance policy as well.
  • E-sign - Certain companies may give you up to $50 simply for signing over the internet.

Consumers should know that some credits don't apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

For a list of providers with the best car insurance discounts in Minnesota, click here.

Free Quotes for Car Insurance in Audubon, Minnesota

Shopping for lower car insurance rates can be a lot of work if you don't know the most efficient way to do it. You can waste hours driving to local insurance agents in Audubon, or you could save time and use the web to achieve your goal.

Most car insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company can give them a price for coverage. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is that consumers can't choose the companies you want to price. So if you want to choose specific providers to request quotes from, we have a listing of car insurance companies in Minnesota. View list of Minnesota insurance companies.

Whichever method you choose, make darn sure you compare identical deductibles and coverage limits for each price quote. If you use different values for each quote it will be impossible to truly determine the lowest rate in Audubon. Slightly different coverage limits may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes helps locate better pricing.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different.

For example, these questions may help you determine whether or not you might need professional guidance.

  • Do I need PIP (personal injury protection) coverage in Minnesota?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What are the financial responsibility laws in Minnesota?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?
  • What is the difference between comprehensive and collision coverage?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Do the work, save more money

As you prepare to switch companies, never sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Drivers who switch companies do it for a number of reasons such as policy cancellation, denial of a claim, unfair underwriting practices and an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is not as hard as you think.

Cost effective car insurance is possible both online and also from your neighborhood Audubon agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these smaller companies only sell through independent insurance agents.